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There have lots of place in Singapore,that you can buy cheaper mobile phone.And since your bank is also credited on that country you can find a good cheaper where to buy the phone by installment basis.

There have one popular place there that you could check if they still allowed to under with installment basis.
There have lots of people out there that willing to help you because of them getting their mobile phone as their monthly basis.

There is one place also but you can buy the gadgets in a cheaper price you don`t have to get in installment because you can buy it with a cheaper so can buy for cash.

If you do the installment basis;you have to go to bank

1.Queue is very important
2.wait for the teller
3.Ready for your valid id`s
4.Sometimes employer documents and authorization
5.contract
6.your pass is important as well as your passport.

You can use your dpcredit card to accredited gadget store that is accepting a mastercard. All you need to do is to check first if they are accepting mastercard because your credit card can be used in any part of the world as long as the store is affiliated with mastercard. Your credit card from PNB is a mastercard affiliated so anywhere you can use it as along as they are accepting mastercard.

"There are many store that offers an installment basis but i think it depends..."

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There are many store that offers an installment basis but I think it depends on the country that your in, Here in the Philippines we can buy installment phones using credit cards with 0% Interest and 12 months to pay.

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I wnt to buy samsung galaxy note for installment plan in mumbai without credit card?